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Foreclosure Avoidance

Question:

How do I save my home from foreclosure if I’m 2, 3 or more months behind on my mortgage?

We all know that life is unpredictable and that circumstances often arise than prevent you from making your mortgage payments. Even hard working people can encounter unforeseen situations which may affect their ability to pay their mortgage in a timely manner. Some of these issues can be a temporary job loss, medical illness or injury, martial difficulties, unforeseen repairs or high utility rates, tenant problems or even a death in the family. Just one of these situations can have a direct bearing on making home mortgage payments.

Our Goal Is Solely To Assist Homeowners

We have no interest in owning your home or prospering from your misfortune. As professionals who understand the mortgage industry, we know how to help you. The goal of loss mitigation is to work out an agreement between you and your lender that will stop foreclosure proceeding permanently. This allows you to stay in your home and protect your credit history. We provide real help for VA, FHA, Conventional and Privately Held Notes. Our services are guaranteed and confidential.

How Do We Stop Foreclosure?

Our company specializes in resolutions of mortgage delinquencies or home foreclosure claims on behalf of you, the homeowner. We perform a detailed financial analysis and work with you to determine your best alternatives. We review your lender loss mitigation policies and your state’s foreclosure law to make sure that we give you the best service within the context of your situation. By working with you and your lender we can tailor a resolution to meet your specific criteria and financial circumstance. We do all this quickly and effectively.

Some of the programs available are: Loan Modification, Short Payoff, Repayment Plan, Partial Claim, VA Loan Modification/Refunding, Deed-in-Lieu of Foreclosure, Special Forbearance, Reverse Mortgages and others.

Don’t let pride stand in the way of letting us help you. You worked hard for your home; let us work even harder to make sure that your home remains yours. We guarantee that we will work out a solution for you or you pay nothing. There will be an estimated 2.2 million homeowners that will lose their homes in foreclosures over the next year. While some of those homeowners cannot afford to keep their homes, many homeowners will not seek the help that is available to them or will wait too late before they ask for help. DON’T WAIT ANOTHER DAY!!!

FOR MORE INFORMATION CALL – (443) 552-9852

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Do you know what Domestic Violence is?

Current mood: restless.gif restless

Domestic violence and emotional abuse are behaviors used by one person in a relationship to control the other. Partners may be married or not married; heterosexual, gay, or lesbian; living together, separated or dating.

Examples of abuse include:

  • name-calling or putdowns
  • keeping a partner from contacting their family or friends
  • withholding money
  • stopping a partner from getting or keeping a job
  • actual or threatened physical harm
  • sexual assault
  • stalking
  • intimidation
Violence can be criminal and includes physical assault (hitting, pushing, shoving, etc.), sexual abuse (unwanted or forced sexual activity), and stalking. Although emotional, psychological and financial abuse are not criminal behaviors, they are forms of abuse and can lead to criminal violence.

The violence takes many forms and can happen all the time or once in a while. An important step to help yourself or someone you know in preventing or stopping violence is recognizing the warning signs listed on the "Violence Wheel."

ANYONE CAN BE A VICTIM! Victims can be of any age, sex, race, culture, religion, education, employment or marital status. Although both men and women can be abused, most victims are women. Children in homes where there is domestic violence are more likely to be abused and/or neglected. Most children in these homes know about the violence. Even if a child is not physically harmed, they may have emotional and behavior problems.

If you are being abused, REMEMBER

  1. You are not alone
  2. It is not your fault
  3. Help is available

You thought you knew.....

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The Ultimate African American Princess Party!

What little girl doesn’t dream of being a princess? Make your little girls dream a reality by creating the ultimate princess party especially for her. Here are some ideas that are sure to make her “royal” event memorable.

· Ask guests to wear their fanciest dresses. Be sure to have some extras just in case someone forgets. You can also find some old jewelry or purchase inexpensive costume jewelry for the girls to accessorize with.


· Decorations: Make your child’s party extra special by using the Uzuri Kid Kidz’ Princess Amira party supply pack which includes cups, plates, table cover, treat bags, and napkins all printed with the beautiful Princess Amira.
Fill the party room with pink, purple and white helium balloons attached to matching, curled ribbons. Weight some of the balloons down and allow some of the balloons to float to the ceiling. Decorate doorways with pink or white tulle and white Christmas lights to set the stage for this royal event. Set a chair by itself designated for the princess to sit on when she opens her presents. You can decorate this throne with tulle and ribbon. You can have each guest sit in the chair to have their picture taken as well.


· Craft Activity: Keep the theme of the party flowing by letting the guest make their very own tiara! We found a great idea for a quick and easy tiara. Here is what you’ll need:


o Metallic Gold Poster Board
o Stickers and Gems ( found in local craft stores)
o Double sided tape
o Large Paper Clips


1. Cut out a basic tiara shape for each guest from the poster board. (Parents should do this in advance of the party.)

2. Trim the midsection to create a fancy edge.

3. Adorn the crowns with stickers and plastic gems attached with double-sided tape.

4. To fit each crown, wrap it around the princess’s head and paper-clip the overlapped ends.


· Food: Finger sandwiches and “tea” are the perfect goodies for a princess. Make peanut butter/jelly, cheese, or turkey sandwiches, depending on your guests. Use a star-shaped cookie cutter or kitchen scissors to create star sandwiches. Serve pink punch made from pink soda or lemonade and hand out princess fruit snacks after the kids have eaten.


· Games to Play: Start out by reading the African version of the classic story, Princess and the Pea written by Rachel Isadora. Place four or five pillows on the floor and put a green tennis ball or golf ball underneath one of the pillows. Guests take turns sitting on the pillows and trying to guess which pillow has the pea underneath.


“Pin the Kiss on the Frog” is another fun game your guests will love. Draw a basic frog on a piece of green poster board. Cut the frog out and glue it to a piece of white poster board or pin it right to the wall. Use red or pink craft foam to cut out “lips” and add a piece of rolled tape to the back of each set of lips. Children need to get the lips as close to the frog’s mouth as they can to turn him into a handsome prince!
Hide a large amount of craft jewels in a large container of sand. Let your guests take turns searching for treasured gems to take home as a royal souvenir.


Goodie Bags. Fill your Princess Amira goodie bags with treats such as glitter lip gloss, plastic jewelry, candy necklaces, chocolate gold coins and hair accessories. Small candies can be added as well – remember to think pink, white and purple.


With the Princess Amira party supplies and these exciting party ideas, your little princess will remember her party for years to come!

For more unique party ideas, visit www.cocoaprints.com

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If I can show you a way to lower your telecom billing, FREE or Discount Cell phones, ( AT&T, Sprint, T-Mobile) The holidays are almost here these would be great gift ideas!

Here is my website and a BRIEF overview of my products and services

WWW.5LINX.NET/JSAENZ
Discounted Telecommunications Services through providers we all know and use! (FREE or at a DISCOUNT cell phones and services (AT&T, NEXTEL, DISNEY, T-Mobile, Sprint and more), Home and Business phones with Long Distance, VOIP (Voice over internet Phone services think VONAGE) Internet Services broadband, Satellite TV Dish and Direct TV, and more services all at a DISCOUNT!

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What Hit You Hard Enough To Change?

Once in awhile its good to reflect on those things that motivated us to be who we are today. For me, I have an Aunt that always called me on the phone and didn't just shoot the breeze with me about the kids in the neighborhood, but she spoke to me about my future goals. At the age of twelve she sent me information on investing in Stocks (it was a children's guide).

Coming from a family that barely had enough money growing up, my parents and my extended family always made sure that my siblings and I knew that we didn't have to struggle through our adulthood. The day, I read about the stocks, something clicked in my mind. From then on, I decided I was going to be a veterinarian/ entrepreneur. I was going to open up a chain of veterinarian hospitals called "Pet Palace". I actually had my plans of where the locations were going to be, and why I wanted it in a particular location." I guess that was my first business plan!

Well, needless to say, I started out as a biology major in college, figured out math was not my thing, and in my sophomore year, decided to become a film major (which I loved) / get in trouble (which I regret).

After graduating and getting married at 19 and having children a year later, I ended up backing out of the entertainment industry. I got my focus back on track and remembered that children's stock guide that my Aunt had sent. By the age of 21, my husband and I decided to buy our first house. The next year we started our business, but not "Pet Palace". We began investing in real estate and started our own LLC. Now we have expanded our company into a Real Estate Investing Consultant Company serving both buyers and sellers. I wonder if the thought of investing would have ever crossed my mind if it hadn't been for the "Children's Stock Guide"...........

So now that you have my story, I have a few questions that maybe a few of you could answer, or even ponder on (although I prefer the feedback if possible).

  1. What was the one thing that someone said or did for you that without a doubt positively changed or changed the course of your life?
  2. How did you respond to it initially?
  3. How long did it take for a positive change to be in effect?
Be Blessed .............And Remember to Always Choose Success!
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Roots: Next Generation

Hello my family, I do hope that all have a relaxing weekend. I saw on the internet that Roots:Next Generation is going on sale today I believe. Some thirty years later, after the airing of Roots and Roots Generation how did those two television series affect your life?

I will share with you that I was raised in Georgia. My family did everything to shield us from the racism that they faced. However, they were not able to shield me from everything.

As a child, I don't remember my parents discussing anything that had to do with Africa.

I do remember my grandmother on my Father's side told me that she was born into slavery and told me how hard times were.

I really want to thank Alex Haley for exposing the honest truth about slavery. Yes, it was painful but at the same time the truth set me free.

Watching both movies made me feel very proud for the Haley family.. My intentions are to try to and find out what country in Africa I may have descended from by taking the saliva test.

What are your thoughts and views in regard to my post? Please share.

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Help and Support Needed

Greetings Friends,

As you may already know, October is Breast Cancer Awareness Month. Chances are you know of someone who has this disease or who has overcome it. Either way, we have all been touched by it in some way.

This year, 211,000 women in the U.S. will be diagnosed with breast cancer, the most common type among women, excluding skin cancer. Another 80,000 women will be diagnosed with a cancer of the reproductive organs. According to the American Cancer Society, one-third of all women will face a diagnosis of cancer in their lifetimes.

That is why as a woman, I feel compelled to do something and I graciously ask for your help and support. As a Mary Kay Independent Beauty Consultant, I am partnering with the Mary Kay Ash Charitable Foundation during the month of October to help support the fight against these cancers that affect women.

Between now and October 31st, 15% of all sales of any Mary Kay fragrance you purchase with me will be donated to the Mary Kay Ash Charitable Foundation. In recognition of your generosity, you will receive a $20 gift certificate from me towards any future Mary Kay products. Please remember, your donation is tax deductible.

Because I am committed to raise as much money as possible to help further the research needed to find a cure, I kindly ask for you to please consider helping. Visit here to learn more about the MKACF or click here to purchase your fragrance. If you have any questions, please feel free to contact me at NuImage@nuimage4u.com

Thank you for your time and have a blessed day!

Warmest Regards,

Tamyka Washington

www.nuimage4u.com

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Secrets of the Millionaire Mind

I have read the book Secrets of the Millionaire Mind by T. Harv Eker and I recommend this book to anyone and everyone who wants to gain wealth. His book is about changing the way you think about money.

Have you read it? If not, you should!!!!

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Can U feel Me???

I am on a brink of a break through, if anyone knows what that is like, then you know I am about to bust! God builds patience in us whether we like it or not. I am truely blessed I have nothing to complain about. I have a successful professional Salon, I just know I am suppose to be doing something BIGGER, WIDER, GRAND! Can U feel Me? I have seen myself in lights in front of thousands of people doing what I do best "run my mouth" all great and empowering things of course. Until that time though I will continue to work diligently and appreciate what He has given me! Can U feel Me?!

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Promote your site on Growing Black Network...

Multiple Shades of You Online (www.msoyonline.com) a premier Black Search Engine and African American Web Portal is currently offering cross-promotional ad packages to Black Advertisers looking for a new and growing network that offers quality ad promotion. msoy produces positive African American websites, and promotes other black sites within the msoy network. msoyonline.com receives approx 8,000 unique hits monthly (view details) and includes a network of sites that are quickly growing an online audience. The msoy network includes:

MSOY ORIGINAL NETWORK

Producing and promotiong positive African American websites

Search Urban | Search Black Website Directory on multiple shades of you online Lil' Bits Online: African American Cartoon Characters: Multicultural Kids Online Activities, Coloring Pages, and books.. Black Girl Click: A Searchine Engine for African American Women An Online Community for Black Moms Black Proffesional Web: Online books and marketing resources for Black Entrepeneurs
Sistas Making Money on Myspace A Blog for African American parents and children African American Magazine Subscriptions Black Movie Trailers, Tv Clips and film shorts Multiple Shades of You Online: African American Search Engine Mahogany Momma Guides: Online guides for African American Moms Black Business Women Connect - A Network for Sistapreneurs
ADVERTISE ON MSOY


Available advertising packages start at $9.95 and currently range from site submission to the Search Urban Directory to Banner Rotation. The msoy network's audience is largely comprised of young, professional, African American Women. For more details about msoy and its advertising opportunities, click here. E-mail me if you have any questions or you are interested in banner design lhenry[at]msoyonline.com.

Do Check Out My:
Black Business E-Books | Black Business Books | Sistas Making Money on Myspace | Sistapreneur Social Group
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What is Pure Romance by Nirvana?

Pure Romance is an in-home party plan for adult women. I sellrelationship enhancement products such as educational games &books, massage & bath aids, bedroom accessories and novelties. Theparties are so much fun, and as a hostess you earn free products andmuch more... Contact me if you would like to place an order, book aparty or find out more information on our Consultant opportunities."

Nirvana
Shop online 24/7 at www.PRbyNirvana.com
Email: NirvanaEdwards@pureromance.com
Phone: 914-613-3717
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Food for my Soul

I am laying out a feast just for me

Prepared to my liking

Seasoned to my taste

Selfish, oh no

I am in need of this kind of love

The relaxation, this Calming Release

Honey Dipped and drizzled on my lips

Sweet Almond on my hips

Taking Passion Fruit from the bowl

After anointing my body with Island Love oil

I gathered salt just for me

Created with love from the sea

Sunflowers picked

As a born Flower Child I sit

Pouring a cool, herb infused drink

For me to enjoy

Laying out

Chasing the Sun

As I take in the essence of Mother’s Nature

I realize that I am an Earthen Vessel

Ready to be filled and poured and filled again

I am the soul within

And I am needing to be fed.

I am laying out a feast just for me

Prepared to my liking

Seasoned to my taste

Selfish, oh no

This is food for my soul.

-Soul Food Natural Bath & Body Shop

www.soulfoodproducts.com

www.myspace.com/soulfoodbathandbodyshop

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Sista to Sista Support on myspace.com

I recently got a message from a fellow sistapreneur, new to myspace, interested in making new friends. So in addition to adding her to our growing 'Sistas Makin Money Circle' I figured I would start to show some sista-to-sista support and start regularly giving shine, to fellow sistepreneurs doing their thing.

Check out Samantha's Creations:
http://www.myspace.com/creativetreasures
Very nice. She is new to myspace, so show her some sisterly love yall.

Want to make more friends on myspace? Go through my Sistas Makin Money Friends list, there are so many wonderful Black Women creating beautiful style, making amazing music, writing great books..... the list goes on.

Also, don't forget to join Black Business Women Connect.
Over 100 women joined last week, what about you?
http://sistapreneurs.ning.com/

Each One Teach One
-lhenry [blackmomsclub.com]
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Where Are Our Leaders?

In this day and age, are we doing more harm to our future by constantly forcing our children to remember our historic leaders, instead of giving them a real life example to imitate?

I'm not discounting anything our ancestors did, because I still look to them for guidance, but a child learns to walk by watching someone else walk, not by hearing stories about how his grandmother learned to walk! We are a visual people and we need tangible evidence that we can make it in anything, especially since so many have gone to such great lengths to produce evidence that we can't!

We, as adults, are outraged at the impact that entertainers have on our children and just about every area of our lives but that industry is the only one that consistently produces outcomes that appeal to our children! Economics 101 suggests that supply and demand will always co-exist. And, the ingenious plan of the entertainment industry is that they CREATE the supply, thus also CONTROLLING the demand!

Our children are commodities to society! The world is like a big business and we need to start forecasting like everyone else! We need to teach our children to act and not react to what's going on around them. We need to include them in the decision making process, so they will learn how to make rational, well thought out decisions! This way, instead of our children contributing to the billion dollar fashion/music/entertainment industry as simply consumers, they can contribute as producers, or manufacturers! Entertainers entice our children with their "money" but forget to reveal the blueprints to the bank... Oh but I forgot, they always pay tribute to the fans at the awards... "cuz without you I wouldn't be here"... damn right!

Since it's obvious no one is going to leave the backdoor open for the kid with two arms but needs a hand, we have to prepare them with the tools to take the damn thing off the hinges!

-Ablack
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PartyLite Quality

When you light a PartyLitecandle, or when you create a decorative accent for your home withPartyLite accessories, you can be sure that what you have brought intoyour home is the finest quality available on the market today.

PartyLite candles are composed of the highest quality wax andall-natural wicks, combined with the perfect blend of fragrance andcolor to burn with a clean and pure flame. PartyLite develops candleformulas and then tests them extensively to be sure that fragrance andquality burning last the entire life of the candle. Whether it's adiminutive tealight or a dramatic three-wick, your PartyLite candle hasbeen created and tested by the largest Research and Development team inthe candle industry.

And if you want to know about thequality of our accessories, just attend a Show — the Consultant willencourage you to handle the accessories to see for yourself. Hold oneof our 24% lead crystal pieces, notice the weight and how it sparklesin the light. Check out the brass candleholders - see the lacqueredfinish you never have to polish, turn them over to see the felt bottomsthat protect your fine wood furniture.

Examine the detail onour bisque porcelain, observe the delicacy with which our ceramics havebeen hand-painted and embellished by traditional artisans, see theclarity and perfection of our hand-blown glass — these qualities aresome of the reasons we want you to see our accessories in the comfortof a home instead of on a store counter.

PartyLite gives you an unlimited vocabulary offragrance options. Enjoy candles for a holiday feeling or an everydaycomfort. Use body care products to carry scent with you all day long.Set a mood in any room with convenient air care products.

And once you'vepurchased candles and accessories from PartyLite, you'll learn aboutanother quality consideration we're very proud of: the customer serviceoffered by our Consultants. Your Consultant wants you to be happy withyour purchases, so he or she will make every effort to ensure that youreceive the quality that we promise, and that you have every reason toexpect.

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In an age of increasing social and cultural diversity international perspectives on career development are more evident than ever before. With its strengthening economic structures and growing financial markets Sub-Saharan Africa is proving to be an ideal platform for this career development for individuals, particularly those within the Diaspora. However there is still currently a gap between the number of vacancies and international candidates ready to fill highly lucrative career roles in Africa.

As an international business, RSL management Services aims to bridge that gap through its executive search facility. RSL seeks to improve the perception of the African business community by placing highly trained individuals into executive positions throughout the continent. The need for economic growth and business development is crucial for the long term success of Africa's position in the global business arena. RSL believes that there is a need for the 'Brain Drain' dynamic to reach the core of African business and know that there are individuals in the UK and across Europe & the USA who are keen to be part of Africa's long term economic growth.

RSL currently recruits for 2 industries of Oil and finance within Sub-Saharan Africa. By assessing clients' needs and criteria RSL Management Services is able to use its strict selection methods to review some of the best professionals and graduates on its confidential database. By recognising the potential in these individuals, RSL hopes to increase awareness of the positive change that Africa is currently undergoing. There is a new dawn for change, individuals no longer have to look to the West for better jobs, Africa is now offering a brighter future on the horizon.

Ronke Lawal

info@rslmanagementservices.co.uk

www.rslmanagementservices.co.uk

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Sensual, modern, feminine, beautiful, only a few of the words used to describe the Simone Williams collection. Ranging from cutting edge denim street wear to sophisticated evening wear the Simone Williams collection has something to suit every discerning and fashionable woman. Her unique creative vision and eye for beauty has led to a collection filled with stunning one off ready to wear pieces that create attention wherever worn.

Her summer/autumn 2006 collection has a feminine look and is inspired by vibrant yet delicate flowers and the iconic image of Marilyn Monroe in her white, halter neck dress. Her new summer range is a blend of classic cuts and 50’s silhouette dresses with leather waist belts and other modern details. Using fly away erratic hems and layering of chiffon, Simone’s dresses symbolises the petals on a flower in full bloom.

The 2007 Simone Williams collection, city desires is inspired by the tall city building structures which make up London’s vibrant city. This is reflected in the shapes and details of each garment whilst still retaining sexy charm.

There is something to suit every woman’s shape in this collection, which is a true celebration of femininity in the city.

The Simone Williams fashion label has been up and running since the summer of 2004 and is based in Hoxton, London. As a black British female establishing her unique vision in an already competitive market has been difficult but Simone is quick to encourage more African and Caribbean designers to break the mould and not follow the usual “urban” trend. “Haute Couture and high end fashion can be enjoyed not only in the upper echelons of the European community but also amongst the African and Caribbean Diaspora” states her Business partner, Ronke Lawal.

The Simone Williams label was showcased in the Kulture 2 Couture fashion event in association with The Mayor of London’s office and the V & A in November 2006. The label has also been featured in Touch Magazine, Total:Spec and Aspire amongst other publications. Worn by Helen McCroy (Harry Potter and Casanova) and Anya (Finalist: Make me a supermodel – C5) the label is gradually enjoying increased media and press exposure.

If you would like to arrange a meeting to view the next season’s collection please contact Simone Williams or Aderonke Lawal:

info@simonewilliams.co.uk / simonewilliams@fsmail.net

www.simonewilliams.co.uk

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